I’m a SPG guy and have a CSR currently, worth it to get the AMEX SPG card?

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^solid consulting analysis, thank you. I have built up some SPG points, I guess using CSR gives more flexibility to book travel(air/car/even activities), of course you can travel SPG points to different programs as well but might not be flexible

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So if you pay for hotels, I think it's worth to get amex SPG. If you redeem points, then unless you care about status (you get a leg up with the SPG Amex and if you have amex plat, automatic SPG and Hilton gold status), just stick with CSR.

You get 2.7-2.9 ccp return on spend for SPG, while it's 5.4-5.8 ccp if you are paying for spg hotel.

CSR is 4.5 ccp in my view assuming you use your points for travel exclusively (and your using points you got from 3x category)

Overall, the break even is $95/(difference of SPG and CSR) = $95/(5.4-4.5) = $95/0.09 = $1055.55.

So if you spend at least this much on SPG hotels with SPG Amex a year, better to get SPG Amex.

There are many view points of course and will reply as more people/OP replies

I made a mistake OP, $95/0.0009 is the real calculation, because it's essentially 9500 cents/0.9 cents which is a whopping 105k+ in spend lolol

Flexibility wise, CSR is the way to go. I have the chase quadfecta (Chase freedom, freedom unlimited, reserve and Ink) so chase UR ecosystem is my favorite :)

^^agreed with analysis above. I would add that as a churner getting the spg card for a year while annual fee is waived to replenish your spg points balance isn't the worst.

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